Southwest Plus
Chase
Southwest Plus
Offer Strength
Great offer$160 above typical value
Show breakdown
Estimated bonus value: ~$780
Base score: 50
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$129
• 1 free checked bag
Current $780 vs typical $620
Net value after annual fee: ~$780
Estimate based on our value hints; not financial advice.
Annual Fee
$99/yr
Credit Score
Fair credit recommended (630+)
Southwest Plus
Welcome Offer
Earn Companion Pass® through 2/28/27 and 20,000 bonus points after you spend $3,000 in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Southwest family rules
Based on reported data, only one Southwest personal card bonus appears to be earnable every 24 months. Business cards are exempt.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
2x points on Southwest purchases
2x points on gas and grocery (first $5,000/year)
1x points on all other purchases
Key benefits
Free first checked bag for you + up to 8 companions
Free first checked bag for you + up to 8 companions
3,000 anniversary points each year
3,000 anniversary points each year
25% back on inflight purchases
25% back on inflight purchases
10,000 Companion Pass qualifying points (1x/year)
10,000 Companion Pass qualifying points (1x/year)
DoorDash DashPass (12 months)
DoorDash DashPass (12 months)
Perks
Group 5 boarding for you + 8 companions
Group 5 boarding for you + 8 companions
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Free Checked Bags
1 free checked bag per flight
Free checked bags for you + 8 companions, 3,000 anniversary points, 25% back on inflight purchases.
Annual Fee Breakeven
Good fit for
About this card
The Chase Southwest Plus is a airline rewards card with a $99 annual fee. New cardholders can earn 20,000 points after spending $3,000 in 90 days.
Best for
occasional travelers, frequent flyers
Key considerations
Low annual fee of $99 is easy to offset with benefits. Subject to Chase 5/24 rule — plan application timing.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Card analysis
Offer analysis
The current offer on the Southwest Plus awards 20,000 points after spending $3,000 within 90 days of account opening.
Annual fee value
The $99 annual fee is partially offset by ongoing benefits including free checked bags (~$70/yr), with an estimated total value of ~$70 per year.
In the first year, the sign-up bonus alone delivers approximately $751 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the southwest product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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